Create!form, Covus, Optio

Hi list.

I am going to be looking at demos of Create!form, Covus (Formscape) and Optio in a few weeks. We are primarily looking at basic distribution, electronic payments, laser checks and positive pay. I'd be very interested in any comments, pro or con, on any of the three products. Any gotchas encountered? Any unexpected complications? If you had it to do over would you still make the same choice?

Thanks.